Everyone relies on a paycheck to provide for them, but what happens when that paycheck stops due to a disability? Mortgage, rent, or car payments don’t go away. Disability insurance is designed to protect those who experience a disability that prevents them from performing their job’s core responsibilities. Most people don’t have months of savings to back them up. So rather than use retirement savings early, you can rely on disability insurance to help you cover those large monthly payments.
Short-term disability policies typically offer 1 and 3 year benefit periods. It covers monthly debts, such as car and home payments, during your recovery period from an illness or injury.
If you become permanently disabled, long-term disability insurance can help provide income for you to pay your bills and afford necessities such as groceries.
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